Business Insurance
Business Insurance in Canada
Every Canadian business has its own mix of property, people, contracts and operations to protect. BrokerUnion designs commercial insurance programs that match the way you actually operate, with coverage from carriers and specialty markets across Canada.
- CGL & professional liability
- Commercial property & BI
- Cyber & E&O
- Contractors, retail, manufacturing
Coverage
What this can include
A business insurance policy can be built from several coverage parts. Your broker will explain what is required, what is optional and what makes sense for your situation.
Commercial general liability
Protection for third party bodily injury and property damage claims arising from your operations.
Commercial property
Coverage for buildings, equipment, inventory and improvements at your business location.
Professional liability and errors and omissions
Coverage for claims of negligence, errors or omissions in the professional services you provide.
Cyber liability
Coverage for privacy breaches, ransomware, business interruption and incident response costs.
Commercial auto
Coverage for vehicles used in your business, including light commercial and fleets.
Contractors
Liability, tools, equipment and project based coverage for trades and construction businesses.
Retail, offices and restaurants
Industry tailored packages with liquor liability, food contamination and other relevant extensions.
Small business packages
Bundled coverage designed for startups, home based businesses and growing companies.
Who this is for
- Sole proprietors, partnerships and incorporated businesses
- Contractors and skilled trades
- Retailers, restaurants and hospitality operators
- Professional service firms
- Manufacturers, wholesalers and distributors
How BrokerUnion helps
- Review your operations, contracts and exposures
- Recommend coverage limits and structures that fit your industry
- Compare quotes from commercial markets and specialty MGAs
- Issue certificates of insurance for landlords, clients and contracts
- Support renewals, mid term changes and claims
FAQ
Common questions about business insurance
What insurance does a small business in Canada need?
Most businesses start with commercial general liability and property coverage. Additional coverages such as professional liability, cyber or commercial auto depend on your industry and contracts.
Do landlords or clients require a certificate of insurance?
Yes. Many leases and service contracts require proof of insurance with specific limits and additional insureds. We prepare certificates for you at no extra cost.
Is cyber coverage really necessary?
Any business that handles customer data, accepts online payments or relies on digital systems can face significant costs from a breach or ransomware incident. Cyber coverage helps with response, recovery and liability.
Can you help if my business is new or has unusual exposures?
Yes. We work with both standard and specialty markets and can place coverage for startups, niche industries and complex risks.
Coverage availability and terms vary by carrier, industry and jurisdiction. Policy wordings govern in all cases.
Ready to talk business insurance?
A licensed RIBO broker will review your situation and walk you through the options. No pressure, no jargon.